· Organize all of your important papers including insurance documents and current valuable appraisals
· Review your insurance policies; do they cover - Actual Cash Value or Replacement Costs
· Make sure you have the kind of coverage you want and need
Proper action once disaster strikes can determine the success of your recovery.
· Notify your insurance company of your loss as soon as possible
· If your property is secure, protect it from further damage - either natural or looting
· If the property is not secure remove all valuables. Hire security, your policy may cover this expense
· Find temporary housing or perform temporary emergency repairs to prevent further damage
· Locate a temporary alternate business location
· DO Make a detailed inventory list and description of every damaged item, take lots of pictures
· Do Not sign any authorization contracts except temporary board-up of property
· Do Not let your personal property be removed until it has been properly photographed and documented
· Do Not allow immediate demolition or debris removal, it could destroy claim evidence
· Do Record ALL of your loss-related activities
· Do Keep a clear paper trail of all relevant expenses: list them and KEEP RECEIPTS
· Do Keep a log of all phone, email, and letters - document date/time/person and what was said
· Be present when the insurance company's adjuster inspects the damage. Take detailed notes.
· Get more than one bid for construction work - three bids are ideal
· Avoid the unlicensed or unknown contractors, work with local, reputable companies only
· DO NOT SIGN ANY RELEASES OR WAIVERS until you are satisfied that you've received a fair settlement
· Signing a release is NOT a necessary part of a settlement, and most insurers will still pay you without it
· You should get the settlement you deserve according to your contract with your insurance company
· By law you cannot profit from tile claim. Insurance fraud is a serious crime!
· Contact me for a free consultation
· REMEMBER, I DON’T GET PAID UNTIL YOU GET PAID
Call (772) 696-5585 or Toll Free (877) 274-2352 Email apiafla@comcast.net
